Author: Complete Controller

Few people know that Google’s voice search has existed before – but not in the same way as it works today. The first version of Google’s voice search was launched as early as 2010, almost ten years ago. Then the users had to call a specific number and repeat their search (for example, “recipe for pancakes”), which updated the search results page based on what was said during the call.

Of course, this did not work as smoothly as today, but the exciting thing is that it already used the service then. Since then, Google has developed voice search to include the service in increasing the company’s apps and products. And today, voice search is a natural tool when searching for information.

 

How do I Develop My Site for Voice Search?

Now we have looked at what voice search is and found that the searches that take place via voice are constantly increasing. We can state that voice search is here to stay, making it an increasingly important part to include in an SEO strategy to avoid losing traffic in the future.

If you are already working with search engine optimization, there is a good chance that they are already part of your daily work. Below I go through each one a little closer.

 

Focus on Long-Tail Terms and Questions

Searches that occur via voice tend to be longer and more natural than those that occur via text. It means that we need to design the content on the website in the same way – with long-tail terms and issues. We are simply looking as we speak.

Start by developing a keyword analysis focusing on long-tail keywords to get you started and plan your content.

 

Be Sure to Keep the Local Content Up to Date

Google has long adapted the search results to where you are. The voice search is no exception, as most voice searches are questions related to different local places and how to get there.

Therefore, ensure that all local content on the site is current and that the information available on Google Maps and Google My Business is consistent. If it does not, you risk sending your visitors to the wrong addresses at troubled times – and you do not want that!

 

Structured Data Help to Understand the Content

Structured data enables search engines to recognize various aspects of your website. For example, it is possible to markup product information such as price, stock balance, and ratings to get more decadent hits in the search results.

Not so long ago, there was also a new inclusion in structured data called Speakable, which helps search engines determine which part of the text is best suited for reading. In other words, this is perfect for telling search engines what content suits your voice!

 

Visibility in Direct Answers

Direct Answers allows Google to give its users extra quick answers by presenting the solution directly in the search results, above the organic hits. You can see it as ranking “zero.” And during a voice search, precisely this snippet of text is read out in response. Evaluate it yourself!

 

Optimize Your Site’s Load Times – Every Second Makes a Difference

Page loading will always be essential in SEO as it determines how long it takes before the site has finished loading and can display all the content for you. It is even more effective in mobile searches, as is the voice search – where every second makes a difference, and quick answers are necessary.

Did you know visitors tend to leave a site that takes more than 2 seconds to load?

 

Summation

The voice search is here to stay. It is going nowhere, and the trend shows that searches that take place with the help of the voice will increase even more in the coming years and change how we search. It becomes obvious when phrases like “Hey Siri,” “Hey Alexa,” and “OK, Google” become a more natural part of our everyday lives.

 It is necessary to keep up the journey and create a strategy for how your website will answer this type of search already here – which will undoubtedly be even more in the future.

Good luck with the optimization!

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Full-time at work? Total time from home? Or a hybrid workplace? The debate over whether to work from home has been a big topic for a long time, and the trend is that so many individuals would like to keep this opportunity at least as a second or part-time job. Besides making your staff more comfortable, a hybrid workplace has several other advantages.

One of the benefits increases flexibility—both for the employees and the company. When employees can work from wherever they want, the company gets a more extensive supply in the labor market. You may recruit throughout many more significant geographical regions when you do not have to consider distance when hiring your workers.

A mixed workforce also offers less environmental impact. Employees’ commute and from work and smaller premises that use less power are all factors to consider.

Benefits of Hybrid Workplace

According to Microsoft, the ability to work from home improves employees’ overall health by making life’s challenges easier to solve.

A hybrid workplace has a lot of benefits, but it also has a lot of disadvantages. As a result, it is critical to have a clear plan and a suitable framework for how employees and supervisors operate so that productivity and culture do not suffer.

Productive Hybrid Workplace

The pandemic has accelerated digitization and enhanced our capacity to cooperate, interact, and communicate remotely in ways no one could have predicted a few years ago. But now, there are more indications that a digital form of working is not only a temporary solution but an increasingly positive experience that offers new opportunities for employees and organizations.

The following are some points for a productive hybrid workplace:

Clear goals will be challenging to manage a widely scattered workforce without defined objectives. What is expected of the group or person in the course of the day, end of the week, or at month’s end? Continuously conduct stand-up meetings to receive a summary of the present status and goals and check in to see whether they have been met.

• Trust your employees

Because the short conversation over the café is gone when workers work from home, there is no need for a detailed understanding of what each employee accomplishes during the day if the team has defined goals. It is more challenging for leaders and managers to visualize how things are progressing in various projects. Trusting their staff is especially vital in this situation. Many managers need to oversee projects in minute detail, which stifles innovation and development.

• Focus on productivity, not the activity

The primary benefit of a hybrid workplace is that it allows employees more flexibility in their working hours. Many companies are concerned that their employees are not working their scheduled hours. Still, rather than focusing on whether their employees are active between periods, they should concentrate on completing their objectives.

• Make leaders and decision-makers easily accessible

Employees should be able to readily access decision-makers when concerns occur in a hybrid workplace to run as effectively as feasible. It is not unusual for managers to spend their days in meetings, but you need to build a culture where you can effortlessly engage with people who make the decisions. It is up to each team to determine whether they choose to communicate by calls, emails, or chat. Accessibility must become ingrained in the hybrid workplace’s culture.

• Have the right tools in place

Technology plays a crucial role in establishing an effective hybrid workplace. Collaboration and communication technologies are essential to make this possible when working together from a distance. Remember that touch should be simple to understand and that there should be options for diverse groups. Telephone, multimedia, conversations, and informational pages are necessary for employees to maintain high efficiency and production levels.

• Encourage social initiatives

When it comes to a hybrid environment and working remotely, one of the most common concerns among entrepreneurs is the cultural element. It is critical to support social efforts to achieve a successful solution. It might be anything from scheduling regular after-work activities to purchasing a basic chat app so employees can speak informally.

Conclusion

If the deployment is done correctly, those investing wisely in a hybrid workplace can yield substantial returns. When implemented correctly, the hybrid strategy may provide the right balance, but the road ahead will not be easy.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Behind every successful company is a kick-ass social media strategy. Of course, companies communicating with existing and potential customers on social media is nothing new. But that is not as easy as tweeting a few times, sharing a photo on Instagram, or updating your Facebook status. Here are six suggestions for creating a great social media plan to propel your company to the next level!

What is a Social Media Strategy?

A strategy for social media is like a roadmap for using social media to accomplish a specific target. Managing social media strategically entails determining why you should be on social media, which channels to focus on, what sort of information to publish in those channels, how frequently to publish, and what objectives you would like to attain with your involvement.

Companies should always have a social media strategy that supports and helps them achieve their goals. Increasing leads, web traffic, or brand exposure are examples of social media marketing aims.

1. Start from the beginning with your social media strategy

The cornerstones of a successful social media strategy are purpose and quantifiable objectives. Your objective should be the first consideration in your social media approach. Why is it essential for you to be visible on social media? Is it a tool for recruiting new personnel or attracting new customers? Set goals when you have figured out what you want to achieve using social media. Then, it will be much easier to figure out what changes you need to make to achieve your goals.

2. Less is more fun sometimes

Your social media plan should include a method for deciding which platforms to prioritize. Being seen and heard on social media is pointless unless you have a reason to be there. Consider where your target group is located to determine which network or networks suit your firm. Do you want to try Instagram to gain new subscribers for a culinary course? Combining availability on two or three distinct platforms may be a winning formula, but do not forget to adjust the tone and theme to the medium.

3. Content is always crucial in a social media strategy

Content is a and o, as you surely know, even on social media. Allowing your channels to become a buzz channel where you solely post “for that” is bad. Your feed is not a “display” where you can shout whatever you want to your followers. It can, on the other hand, be damaging to your reach. Today, all social media platforms reward accounts that produce valuable material for their followers. As a result, attempt to generate appropriate material for social media and, more importantly, for your audience and the channel you will distribute your content. So, the focus is on the target group!

4. Advertising is an integral part of the strategy

Companies are increasingly finding it difficult to grow their organic channels’ reach. On the one hand, they struggle against individual status updates and regularly build algorithms to promote users. There is even a rumor that organic postings from a corporate page only reach its subscribers 10% (!). As a result, it will be critical to set aside a portion of the marketing cost for promotion and emphasize advertising as a vital component of the social media strategy.

Feel free to prepare beforehand and create a per-year cycle for different events inside the firm where a little gunpowder would be helpful. An online seminar or a planned event? In your social media plan, do not forget to include lead-generating activities. They are ideal candidates for advertising! LinkedIn is the way to go if you sell B2B services, whereas Instagram and Facebook are better for B2C.

5. Who is responsible for the social media strategy?

Appoint anyone, or a group, to be responsible for social media. These individuals ensure that the company’s social media plan is conducted. Allow these individuals to generate ideas, create content, schedule postings, set up advertisements, and continually grow the work. Remember to respect the social media platforms; this is not something you should worry about on top of your other responsibilities. You are welcome to have weekly standing meetings to plan future social activities. As a result, the possibility of inadequate information with no real purpose is reduced.

6. Optimization, optimization, optimization

Whenever it comes to social media, there are (usually) no right or wrong answers, yet specific postings are more popular than others – find out why. The publishing that did not meet the criteria should be analyzed to see where you can improve next time. It is constantly about assessing, monitoring, and optimizing when it comes to social media. To design your social media strategy, you will need insights. You can permanently erase and redo it if something goes wrong. You are on your way to writing your success narrative. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Are you worried about the rise in the price of electricity? Do you think you pay too much? Do not worry; saving light at home is easy. We tell you five essential tricks that will help you achieve it.

The price of electricity has risen and shows no signs of decreasing any time soon. The price per kilowatt in 2022, on average, was $0.14. In 2023, that average will have risen to about $0.23!

We cannot reduce the price of electricity in the wholesale market, which supplies the retailers that we later hire at home. Instead, we can take specific measures to consume less and reduce the bills in our house.

 

Watch the Appliances

The appliances that consume the lightest are the refrigerator, the television, the washing machine, the oven, and the computer. When you leave the TV, the PC, or a music device plugged in, you do not use them. The standby mode is activated. Currently, so-called silent consumption occurs. If you turn off all the on-standby devices, you can save 10% on the amount of light you use.

According to the gathered data, the refrigerator is, by far, the appliance that spends the lightest: a third of all household consumption. The washing machine accounts for almost 12% and the oven about 8%. If you also have a dishwasher, you will consume even more. Why? Because heating water is a function that needs more energy.

To reduce the consumption of appliances, you can do two things. First, stop by the store and invest in new devices with energy labeling A +, A ++, and A +++. This is a mandatory seal that indicates its energy efficiency and performance. Although it seems to you that it is a lot of money, they are more than profitable in the long run.

Second, if you do not want to make this investment, use programs with low temperatures when using the washing machine and the dishwasher. For the fridge, try to keep it in an area that is not extremely hot, never leave it open, clean the back frequently, and monitor the temperature. Maybe it is not necessary for the food you have to be so cold.

 

Adjust the Contracted Power

Once you have streamlined the use of appliances, saving light will be more accessible if you pay attention to your consumption. The lion’s share of your bill is the contracted power, the energy you can use to make your home function normally.

The contracted power is measured in kilowatts (kW) and appears on your bill. To understand it quickly, you pay for every kilowatt you can use. Then you will pay for the consumption, of course. This helpful calculator is an excellent way to know what power you can hire without passing or falling short.

 

Study Time Discrimination

Saving light by just changing your customs a little is possible. Hourly discrimination is a type of electricity tariff whose objective is to reduce consumption in the schedules of more energy demands. It works with the so-called peak hours (expensive) and valley hours (cheap). 

If you can concentrate a minimum of 30% of the light of your home in the valley hours, you can save up to $70 per year on your bill. By the way, do not worry. The rate is reversible if, in the end, you cannot adjust the hours of use of appliances—one more example of how to save light virtually.

 

Compare the Rates of the Marketers

Have you ever thought about changing the company of light? Marketers have quite different prices. Some have offered to attract customers, which usually has significant advantages.

The company change is an excellent way to save on the electricity bill. Do not worry; the supply will not be cut even if you change providers. The procedure is simple and free.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Refinancing is similar to the standard procedure for concluding a mortgage agreement. The borrower must confirm the solvency and compliance of the mortgaged apartment with the bank’s requirements. Consider all the nuances of the procedure.

We will define you step by step how to arrange everything.

Step 1: Calculate the Benefit

The mortgage calculator will show you what your monthly payment will be. Knowing your monthly payment will help you decide if refinancing your mortgage is worth it.

Step 2: Collect Documents

So, you will need the following:

Passport of the borrower/co-borrower with a registration mark

Document confirming registration at the place of stay (if temporary registration is available)

For each refinanced loan, the borrower must provide the following information:

• Number and date of the loan agreement
• Validity of the loan agreement and the loan repayment period
• Loan amount and currency
• Interest rate
• Monthly payment
• Account details for repaying a refinanced loan

To confirm this information, you must provide the bank with any of the following documents: a loan agreement, a payment schedule, a notice of the total cost of the loan, and a document confirming the change in the details of the primary lender.

Additionally, the bank may request information from the client: 

• On the balance of loan debt on a refinanced loan with accrued interest
• On the presence/absence of current arrears and arrears during the last 12 months

A document must confirm such information from the creditor bank for the refinanced loan (certificate, extract, or another document). The information must be current as of the date of submission to Sberbank.

Step 3: Apply for Refinancing and get a Decision from the Bank

The easiest method is to fill out an application for refinancing. The bank will review it within a day.

Step 4: Submit Documents for Real Estate and Refinance Loans to the Bank

When the bank approves the application, it will be necessary to provide copies for real estate and refinanced loans within 90 days and conduct an assessment of housing. This assessment takes about five days. If you order an evaluation on Domclick, it will be faster – no more than three days.

The bank considers documents on real estate and loans within 3-5 working days. If everything is in order, the manager will contact you, and you will agree when you can sign a loan agreement and a mortgage (pledge) agreement and receive money.

Step 5: Get a Loan for Refinancing

After signing a new loan agreement and a mortgage (pledge) agreement, you will receive an amount that is enough to pay off the “old” mortgage.

One rate will apply before registering a pledge with Sberbank; the mortgage rate will decrease after registration. Check with bank employees or chat for details.

Step 6: Pay Off the Mortgage in Another Bank

You need to write an application for early repayment of the mortgage in another bank to repay the entire remaining amount. You will only need a certificate of the absence of debt if you have provided other real estate as collateral.

Such a certificate must be brought to Sberbank two months after receiving the loan. If a mortgage is provided on real estate purchased or built at the expense of a mortgage, then a certificate is not needed.

Step 7: Remove the Encumbrance from Housing in Rosreestr and Register a Mortgage (pledge) Agreement

When you pay off the “old” mortgage, the bank will give you a mortgage if it was issued. The mortgage will state that you have no financial obligations left here. This mortgage must be taken to Rosreestr and applied to remove encumbrances from real estate. If the lender did not issue the mortgage, an application for removing the encumbrance would be sufficient.

Simultaneously with the application for removing the encumbrance, submit to Rosreestr the mortgage (pledge) agreement signed with Sberbank on real estate in 3 copies. Rosreestr removes the burden in favor of the “old” creditor and registers the pledge in a few days.

Step 8: Confirmation of Pledge Registration

After Rosreestr removes the encumbrance in favor of the “old” creditor and registers a pledge, confirm such registration by providing an extract from the USRN or a pledge agreement with Rosreestr’s mark to the bank’s office or online through the client’s account on Domclick. After confirming the collateral registration in favor of Sberbank, your loan rate will be lower by 2%.

IMPORTANT

It is necessary to meet the allotted time. Otherwise, the bank will decide that the loan was not taken for housing and begin the recovery procedure, and the bank will charge penalties on the loan. As a rule, a period of 3 months is enough for everything. The sooner you renew your mortgage, the sooner you can lower your interest rate.

All in All

First, calculate whether it is profitable to refinance your mortgage – compare your costs with possible savings.

If refinancing is profitable, you will need to go through the following steps:

• Approval by the bank of the online application – 90% of the answers from the bank come within 5 minutes
• Collection of documents for real estate and refinanced loans – 2-3 days
• Consideration by the bank of documents for real estate and refinanced loans – 1-3 days
• Obtaining a loan for refinancing, repayment of the “old” mortgage – 1-3 days
• Removal by Rosreestr of encumbrance from housing from the “old” bank – from 2 to 10 days
• Mortgage registration by Rosreestr at Sberbank – from 2 to 10 days

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

There are many ways to plan a career. There is also a problem, it is to know at which stage you are at first, are you a school student seeking to decide which field to choose, or you have got admission at the college and want to pursue the highest earning career in it or easiest? Or you are in the mood to change your field through some expertise you must make in different job experiences. Knowing which place you are and then moving is essential; this blog will help you decide how to go through the long, arduous process.

Are you finding it challenging to locate a job that matches your personality and interests? Take a quiz to find out which job might be right for you. Begin at the beginning – with yourself.

We all want to find an excellent job by picking the proper profession. “Find a job you adore, and you’ll never have to work ever again in your life,” as the saying goes. It enlightens something that most of us aspire to. It also puts a lot of pressure on those who are trying to figure out what they desire to do with their lives. Is it feasible to find a career you enjoy enough that it no longer feels like employment?

Is it Possible to Find a Good Job by Choosing the Right Career?

Probably most of us will have days when we do not want to work. Regardless of how much effort we spend looking for a decent job and selecting the correct career. There will be days when you feel forced to do that task even if you are not compensated. The trick is to pick a job with many lovely days above those that aren’t so wonderful.

With all these occupations to select from, there are several things to remember to maximize your possibilities of finding a rewarding job. Find a job that fits your interests, aptitude, personality, attributes, and values. It’s also crucial that you enjoy your work tasks, that your wage is fair, that your prospects are promising, and that the corporate culture is appropriate. You may find more advice on finding a decent job by picking the correct career here.

Get to Know Yourself

First, you should learn as much as possible about yourself by spending some time doing a self-assessment. Only when you have a greater understanding of yourself can you successfully explore careers based on what you come up with.

Learn More About Different Professions and Careers

After completing a self-assessment, some occupations you discover may be ideal for you, while others may be entirely inappropriate. Another list of alternative careers and jobs that may suit you based on numerous variables, such as personality, is sometimes included in the findings of a self-assessment. However, picking the right career or finding suitable employment is only the beginning.

Many Different Criteria Must Agree

Certain occupations may appear to be a good fit based on your type of personality, hobbies, and values, but they may be incompatible in other ways. The tasks may be unappealing to you. Or that the work market’s prospects may be bleak. It’s also possible that the requisite training will take more time and effort than you’re willing to devote.

Investigate Several Career Opportunities

Assure you’re making an informed selection by thoroughly researching each career option. Read position descriptions for various occupations carefully and attempt to get over any preconceived preconceptions you may have. If you do not have professional experience before beginning your review, you will have more to learn until you can obtain a promising career.

Find Out if You Meet the Requirements

Again, if you’re interested in specific vocations after researching them, the following stage is determining the training requirements. Suppose you need an academic education to grow in your career but cannot obtain one. Then you should probably avoid that profession. Make sure your resume’s standards are met.

Examine the Prospects for Jobs in the Future

When you don’t investigate what a given career offers regarding job possibilities, you’re doing yourself a disservice. Whether the competition is considered modest or high, and where it occurs. It’s not fun to devote time to studying for a vocation and career to discover that competition is fierce and that unemployment inside the profession is significant. Decide right away!

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

When you start a full-time personal business in the cloud based on a blog to sell professional products or services, you should not forget how to organize your finances or manage the money generated by your business.

Personal Salary

I think it is essential that you put in a personal salary as soon as you can. This salary should be part of the income generated by your business. It should be managed as if it were the money you earned before in the company where you worked.

You must have a salary to manage your business’s revenue, invest in it, and pay your expenses. Separate your money from the money of your business. Never mix them. The money your business wins in the cloud must be separate from personal money and vice versa. Have a separate account and a different card.

If you need to borrow from the “other party,” write it down and mark the same return conditions you would demand from other people in the same circumstances. Personal expenses are paid with private money—the business’s expenses with the funds generated by the company.

Personal Savings

You must save an integral part of your salary. This is especially true because your business’s income is likely to resemble a roller coaster, and sometimes you can pay what you have and sometimes much less.

The more unstable your income, the more you must save. If you saved 10% -15% from your traditional salary, now you should increase it to 25% -30%. If not more.

Why so much? Well, now you must pay for a series of things that you did not have to worry about before (or not), and previous concerns do not disappear.

Investment in Your Business in the Cloud

 

To successfully grow your business, investing in it is not just important—it’s essential. When running a personal company in the cloud, you will encounter three primary categories of expenses that form the foundation of your business investments:

 

• Domain and hosting costs: Your journey begins with securing a domain name and reliable hosting services. These initial expenses are relatively modest, typically ranging between $100 and $150 per year, yet they are crucial for establishing your online presence.
• Initial revenue generation: To start generating your first income, you may need to allocate additional funds towards critical areas. This might include enhancing your email marketing through a robust mailing list or developing a high-quality information product that you can market and sell. Investing in these areas can significantly boost your chances of earning.
• Building a support team: Once you start to see a steady stream of recurring income, it’s wise to consider hiring additional support. Delegating tasks can free you to focus on your strengths, particularly on activities that you are passionate about or that significantly impact your business’s profitability. 

 

For example, managing the technical aspects of WordPress—such as plugins, backups, updates, hosting, and design—can consume a lot of your valuable time. Instead of handling these tasks yourself, where possible, delegate them to hired professionals for specific projects. This allows you to focus on what you do best, while also ensuring that the technical aspects of your business are in capable hands.

 

Ultimately, your energy should be directed toward creating compelling content, developing innovative products, and enhancing your services. On platforms like Elance and Odesk, you can find exceptional freelancers ready to help you achieve your business goals. By investing wisely and building a support system around you, you will position your business for growth and success.

New Payment Tools and Services

According to this blog, certain services or plugins you use will cease to be free or take a leap in quality. For example, if you use Mailchimp to manage your mailing list from a certain number of subscribers, it is no longer free.

Or, if you want to start monetizing it more thoroughly, you will need payment plugins like OptinSkin. If you make videos, your brother’s camera and a free editor at the beginning are acceptable to break the ice and see how it works. However, if you’re serious (and you’re going because your income depends on it), you’ll need a good camera and a good editor. Do not be afraid to invest in this aspect if you know that spending will impact higher quality and, therefore, higher income. If not, it is not an investment.

To have a personal business in the cloud and, at the same time, your finances are well controlled, these steps are fundamental:

• Put up a salary as soon as the business generates enough money.
• Separate your money from the money that creates the company.

As you can see, two essential tips are also valid for any entrepreneur who starts a project, and that is how you should take your business into the cloud, as a company but as a single person. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Net worth or net worth, what is it?

In layman’s terms, your Net Worth measures your financial well-being. This is the most crucial statistic in determining your present financial status. Put another way. Your net worth is the sum of what you own minus what you owe.

High net worth is the difference between your assets (everything you possess, you can convert that into cash) and your liabilities (everything you owe, you can convert that into cash) (your debts).

Getting a realistic assessment of your assets (wealth) is crucial. To do so, one must first comprehend the significance of wealth.

How to Find Your Net Worth Among Others?

The key to knowing your net worth is simple.

Net worth = Assets – Liabilities

 

You can start by adding up all your assets, which will include:

• Liquidity: That includes cash in hand, including money market funds, certificates of deposit, treasury notes, and other cash equivalents.
• Investments for retirement: such as employer plans, pension assets, and any other assets that may create income in the future
• Fall into this category.
• The market worth of your home and the value of any other property you own is called real estate.
• Business Assets or Equity: If you own a commercial, your net worth will comprise the value of your company’s value and any significant business assets.
• Cars, jewelry, furniture, and other personal belongings are examples of personal assets.
• Personal loans and receivables, life insurance policies, and other valuable assets are considered miscellaneous assets not included in any preceding categories.

Next, total up your liabilities, which will primarily include the list below:

•   The mortgage: the mortgage on your home and a home equity line of credit.
•   Loan on Installments: These will include car loans, student loans, and any other loan agreement on your property.
•   Credit Cards: Credit cards reflect revolving debt and should be accounted for when calculating net worth.
•   Business Loans: For a businessman, any loan outstanding to conduct business is also considered a personal liability and is included in assessing the individual’s net worth.
•   Miscellaneous Liabilities: Other financial liabilities include loans for medical care, tax liabilities, etc.

Use the formula above to calculate your net worth once you’ve identified your assets and obligations.

What are the Benefits of Tracking Your Net Worth?

• Despite its importance, most people are unconcerned about their net worth. Nevertheless, it represents all you earn and spend and your financial management efforts.
• Let’s take a closer look at why understanding your net worth is crucial.
• It helps you calculate your wealth.
• The concept of wealth is sometimes characterized by income levels, which is only partially accurate because it ignores your costs and liabilities. The most precise approach to determining your wealth and present financial condition is calculating your net worth. It enables you to calculate the actual value of your assets once all your debts and liabilities have been paid.
• It helps you track your financial progress
• Almost every financial move you make aims to either increase or preserve your financial position. So, how can you progress if you don’t know how far you’ve come? Calculating your net worth allows you to closely monitor your finances and make more informed decisions. Growing your net worth shows your financial progress and can drive you to reach your financial objectives.
• It makes managing your finances easier
• Knowing your net worth can help you better manage your finances. This will assist you in putting your income and expenses into context and determining what should be saved and invested to enhance your income. He can also help you develop a debt repayment strategy so that your financial well-being is not jeopardized.
• It enables you to build a more stable financial future

Controlling your net worth can assist you in developing a retirement plan that ensures your financial security in the future. You can examine your present condition and decide to attain your financial goals using your financial plan. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

There are always two sides to the coin, the same in the case of debt. Debt can improve your standard of living and turn your life upside down. But, on the other hand, if used imprudently and excessively, debt can become a curse for you. Nonetheless, if you enter this hollow trap, you cannot escape it due to increasing interest rates, principal, additional charges, etc.

A well-known phrase that has dominated the mindset of people towards managing finances is ‘Control your money or let it control your life. That makes sense, right? But humans are made to lead! Therefore, you must own your life and control your money. Because managing money is not complicated, it needs a few actionable steps to set yourself up for a financially stable life.

Whenever money is involved in any decision, it gets complicated, but not anymore! With these five simple ways, you can easily stay out of debt and live a financially empowered life.

Five Simple Ways to Avoid Debt

Roadmap to be a Millionaire not broken

Wealthy people have a healthy relationship with money. They are not trapped in the ultimate desire to accumulate endless wealth; they are free from it. Moreover, a healthy approach toward money led them to stay conscious of their finances and avoid debt.

Millennials, in recent times, treat money impulsively. As a result, their assets have evaporated, and debts are tremendously mounting. To end this chain of continuously leading towards a broken and bleak future, sweep off all the psychological blocks and hang-ups from your mind.

Do you want to live an indebted and flat-broke life with no savings, due rent and car payments, or a luxurious house near a mansion with a shiny sports car? The decision is entirely yours. Focus on possible strategies and craft a roadmap with a clear vision.

But how do you develop a healthy relationship with money and avoid falling into debt?

Time for financial counseling

Studies have revealed our monetary decisions are deeply connected to our approach to money, childhood lessons, and financial fears. Each of these elements influences our subconscious mind; hence, we either end up a millionaire or broken with mounting debt.

However, debt has fractured relationships, encouraged health issues, and embedded shame in debtors, permeating every aspect of their lives.

Empowerment has transformed many lives! In a recent talk with a financial advisor, she told us that economic circumstances have made people feel embarrassed, depressed, and ashamed. And they have negatively affected every aspect of life because they cannot fulfill their essential needs. It taught her that everyone deserves support and guidance to improve their relationship with money.

What do I need to do? Get a financial recovery! Yes, it’s that simple! Economic recovery is a transformational process that assists you in developing a healthy relationship with money that is healing. It addresses your inner needs and outer behavior surrounding them because they must be in sync to create a balance. Furthermore, it embraces practical steps that clearly understand money and how to spend it wisely.

Money mindfulness

By undergoing a financial recovery, you will come to identify, comprehend, and change the attitude and thinking paradigm that led to a financial disaster. Developing awareness and enhancing your financial health can help you stay out of debt and save money without feeling deprived. You can devise a livable spending plan and classify your genuine needs upon implementation. People commonly commit a mistake by practicing ways to achieve more; instead, it is about how to benefit from the right stuff. Through financial recovery, you will become the leader of your life, a life that brings you joy and satisfaction.

There is no tomorrow for money

Yes, you read that correctly! If you wish you had more money and planning to apply for credit, stop! Don’t move further. 

You can achieve more money by deep-seated commitment. You can make more money instead of financing it. Life of an inadequate earner is not that fun and frustrating, but you can make more money than you are right now, no matter the circumstances.

Ask yourself what you want to do. Avoid getting into debt. We got this! Inspire to think bigger. It’s time to revolutionize your mentality and stay on the path that you have selected. You have numerous opportunities waiting for you; change your outlook on life and avail them.

Don’t listen to credit scams!

Credit companies tend to captivate consumers with bad credit for a promising future with counseling scams.

When consumers pay hundreds of dollars as upfront fees, these companies might not invest that money to improve their credit reports but instead vanish. In most scenarios, the ones who benefit from these organizations shape themselves; on the other hand, you are left with mounting debts and a terrible life.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Around the same time you collect payroll, your checking account empties, and bills like the rent or the mortgage, gas, electricity, telephone, and gym are due. It is as if all the companies knew when they paid you and were racing to be the first to collect. And that is partly the case.

Unlike other states, such as the United States, the most common is to domicile most of the receipts in Spain. It is more comfortable and an excellent formula for not forgetting any payment or spending the money before facing your fixed monthly expenses. In short, you know you will pay every month because you do it automatically, and you don’t have to bother putting down all the receipts.

What if you could do the same with your savings and investments? Is it possible to automate your investments and protection to go on autopilot? The answer is yes, and it also has its advantages.

The Advantages of Automating Your Savings

Putting your savings on autopilot is easy. It consists of saving something mechanical within your cash flows. The key to manufacturing it work is to do it when you receive your salary before you can spend it and even realize it’s there.

In other words, save at the beginning of the month instead of at the end. Just as you domicile your receipts, you can also domicile your savings. It is what the Americans call “pay yourself first” and that Luis Pita baptized as pre-saving in his book “Have a poor car than your neighbor.”

The main advantage of this method is that “you will save every month without making any effort or having to resort to your willpower constantly,” explains Pita. As the saving is automatic, you will permanently save regardless of the rest of the expenses. And since you will not see the money in your account because you will withdraw it at the beginning of the month, you will not miss it either.

“Human beings adapt to changes better than we think. The first month you may notice that you are missing the money you save, but after three months, you will have adapted your level of spending to your new income”, summarizes Pita.

How to Automate Your Savings

Starting to save mechanically is very simple. Do not take more than 5 minutes. To automate your savings, all you have to do is order the bank to make a transfer from your daily use account to your savings account and then tell it to repeat that operation every month at the beginning of the month.

If you are an ING client with an ORANGE Account, it is as easy as entering the “My Products” area and selecting the account in which you receive your payroll. You must access “Operate” and click “Make a transfer.” On the next screen, you will be able to select the destination account and establish the amount, and just by marking the periodic section, you will save every month without effort.

The Advantages of Automating Your Investments

You can apply the same strategy you follow for your savings to your investments. As you save automatically, you can invest on autopilot without worrying about giving the order every month.

This strategy involves making periodic contributions to your investment and, in addition, creating orders so that they occur automatically. This strategy is known as Dollar Cost Averaging or averaging.

The three advantages of making regular contributions to your investments are:

• It serves to combat market volatility. Combined with long-term investment, regular contributions tend to minimize stock market ups and downs. The times you buy cheap will offset the times you buy more expensive and vice versa. As one of Peter Lynch’s best-known stock quotes says, “I don’t know if the next 1,000 points in the Dow Jones will be up or down, but I’m sure the next 10,000 will be up.” In other words, prolonged, the averages prevail, and in the case of the S&P 500, they mark a historical average return of 9.87%, including the reinvestment of dividends.
• Avoiding market timing is one of the most common mistakes. By establishing an automatic contribution plan, you avoid guessing when is the best and worst time to buy or sell. You always do it on the same day, and you never disinvest. For 13 years, Peter Lynch achieved a 29% annualized return with the Magellan fund. However, the average gain of the participants in it was less than 7% precisely because they did not maintain the investment and tried to do market timing.
• You acquire discipline and perseverance. You make these skills one more part of your financial routine by automating investments without forgetting or making excuses. Thanks to this, you take better advantage of compound interest, which only needs time and perseverance to work its magic.

How to Automate Your Investments with Regular Contributions

As in the previous case, making an automatic periodic contribution to your investment fund portfolio is straightforward.

If you are an ING client, it is as easy as entering the “My Products” area and selecting the fund for which you want to make the regular contribution. You must access “Operate” and click “Make a subscription.” On the next screen, you can choose the source account, set the amount to invest each month, and confirm the order once the periodic section has been marked: you will start investing every month without effort.

The reason is that they are all already diversified products designed for long-term investment, in which this type of strategy works best. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.